What we can cover

Whether you shoot portraits in a studio, capture weddings on the go, or employ a team of graphic designers, Public & Products Liability Insurance (available under an AAMI Business Insurance policy) can provide cover for common third party injury and property damage risks:

• A customer accidentally trips on cables in your studio and is injured.
• A light stand falls and damages the floor of a wedding venue.
• You spill coffee on a client’s laptop during a design meeting.
• Digital artwork you supplied contains an error, and the client incurs reprinting costs.
• While setting up at a function, you accidentally knock a guest’s phone off a table.

What’s not covered

• Workers Compensation – for example, your employee is injured while at a photoshoot. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Damage to your own property – for example, you drop and damage your camera. More information on damage to your own property